Best Philadelphia, Pennsylvania Auto Insurance in 2024 (Find the Top 10 Companies Here)
State Farm, AAA, and Erie are the best providers of the best Philadelphia, Pennsylvania auto insurance, with monthly rates starting at $48. They are recognized for their savings on usage-based insurance and a variety of options like 24/7 support. These companies are best for Philadelphia drivers.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Aug 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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State Farm, AAA, and Erie are the leading insurance providers offering the best Philadelphia, Pennsylvania auto insurance, with rates beginning at $48 per month.
Navigating car insurance can be daunting, especially if you’re wondering, “Is auto insurance a waste of money?”
Our Top 10 Company Picks: Best Philadelphia, Pennsylvania Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 11% B Many Discounts State Farm
#2 15% A Online App AAA
#3 10% A+ 24/7 Support Erie
#4 18% A Local Agents Farmers
#5 12% A++ Military Savings USAA
#6 14% A++ Accident Forgiveness Travelers
#7 13% A+ Usage Discount Nationwide
#8 17% A+ Add-on Coverages Allstate
#9 16% A+ Innovative Programs Progressive
#10 19% A++ Custom Plan Geico
Our guide for Philadelphia residents clarifies why having coverage is crucial.
Start by using our free tool to get quotes from top insurers in Philadelphia—just enter your ZIP code.
- State Farm is the leading auto insurance provider in Philadelphia
- Discover why auto insurance rates in Philadelphia are below the national average
- Commuting times in Philadelphia are generally average
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#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: State Farm offers competitive pricing starting at $48 per month, which is among the best Philadelphia, Pennsylvania auto insurance options. Their 11% bundling discount further reduces overall insurance costs. Read State Farm auto insurance discounts page to know more.
- Strong Customer Service: Known for high customer satisfaction and responsive service, State Farm is a leading option for the best Philadelphia, Pennsylvania auto insurance. Their extensive network of local agents ensures personalized attention.
- Discount Opportunities: Various discounts are available, including those for safe driving and bundling, enhancing the appeal of State Farm as a top choice for the best Philadelphia, Pennsylvania auto insurance. Their mobile app also provides easy management of discounts.
Cons
- Limited High-Risk Options: State Farm’s rates for high-risk drivers, including those with poor credit or recent accidents, may be higher. This limitation could affect its standing as the best Philadelphia, Pennsylvania auto insurance for all drivers.
- Discounts May Not Apply to All: Some discounts may be unavailable based on location or driving history, potentially making it less attractive for some. The 11% bundling discount might not be as competitive compared to other providers.
#2 – AAA: Best for Online App
Pros
- Robust Roadside Assistance: AAA’s comprehensive roadside assistance services add extra value, establishing it as one of the best Philadelphia, Pennsylvania auto insurance options. Their A rating from A.M. Best indicates strong financial stability.
- Local Office Network: With an extensive network of local offices, AAA offers personalized support, contributing to its status as a top choice for the best Philadelphia, Pennsylvania auto insurance. This local presence ensures quicker response times.
- Additional Member Benefits: AAA membership includes various discounts and benefits beyond auto insurance, adding extra value and making it a prominent option for the best Philadelphia, Pennsylvania auto insurance. Read more through our AAA auto insurance review.
Cons
- Membership Requirement: AAA’s insurance benefits require a membership, which involves an additional cost and could offset some insurance savings. This requirement might impact its appeal as the best Philadelphia, Pennsylvania auto insurance for occasional users.
- Potentially Higher Rates: Rates may be higher if you do not frequently use AAA’s services, making it less competitive for those who use the service less often. This could affect its ranking as the best Philadelphia, Pennsylvania auto insurance for all drivers.
#3 – Erie: Best for 24/7 Support
Pros
- 24/7 Customer Support: Erie offers around-the-clock customer service for all inquiries and claims, making it a strong contender for the best Philadelphia, Pennsylvania auto insurance. Their A+ rating from A.M. Best highlights their financial strength. Learn more through our Erie auto insurance review.
- Accident Forgiveness: With accident forgiveness, Erie helps prevent rate increases after a first accident, contributing to its reputation as the best Philadelphia, Pennsylvania auto insurance provider. This feature helps maintain affordable premiums.
- Strong Regional Presence: Erie is well-regarded in the eastern U.S., providing comprehensive coverage tailored to regional needs. This local expertise makes it a solid option for the best Philadelphia, Pennsylvania auto insurance.
Cons
- Limited Geographic Reach: Erie’s coverage is primarily available in the eastern U.S., which may not be ideal for those relocating or traveling frequently. This limitation could impact its ranking as the best Philadelphia, Pennsylvania auto insurance for all drivers.
- Average Online Experience: Erie’s online tools and resources are less advanced compared to some competitors, which could affect the convenience of managing policies and claims. This might detract from its status as the best Philadelphia, Pennsylvania auto insurance.
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#4 – Farmers: Best for Local Agents
Pros
- Customizable Policies: Farmers provides a range of coverage options that can be tailored to specific needs, making it a top choice for the best Philadelphia, Pennsylvania auto insurance. Their A rating from A.M. Best reflects a strong financial foundation.
- Good for Local Knowledge: Local agents offer insights into regional insurance needs and risks, enhancing Farmers’ status as a leading provider of the best Philadelphia, Pennsylvania auto insurance. This ensures that policies are well-suited to individual and regional needs.
- Bundling Discounts: Farmers offers substantial savings with an 18% discount for bundling home and auto insurance, making it a highly attractive option for the best Philadelphia, Pennsylvania auto insurance. Learn more through our Farmers auto insurance review.
Cons
- Potentially Higher Rates: Without bundling policies, Farmers may be more expensive compared to some competitors. This could impact its appeal as the best Philadelphia, Pennsylvania auto insurance for those seeking lower premiums.
- Variable Agent Quality: Service quality may vary depending on the local agent, which can affect overall satisfaction. Inconsistent experiences may impact its standing as the best Philadelphia, Pennsylvania auto insurance provider.
#5 – USAA: Best for Military Savings
Pros
- Excellent Customer Service: USAA is highly rated for customer service and support, contributing to its reputation as one of the best Philadelphia, Pennsylvania auto insurance options. The 12% bundling discount adds additional value.
- Comprehensive Coverage: USAA offers a wide range of coverage options and benefits tailored for military members, enhancing its status as a leading provider of the best Philadelphia, Pennsylvania auto insurance. Read USAA auto insurance review page to know more.
- Strong Claims Handling: Known for efficient and supportive claims processing, USAA’s strong reputation makes it a top contender for the best Philadelphia, Pennsylvania auto insurance. This ensures fair and prompt handling of claims.
Cons
- Eligibility Restrictions: USAA insurance is only available to military members, veterans, and their families, which limits access for non-military individuals. This exclusivity may affect its appeal as the best Philadelphia, Pennsylvania auto insurance for the general public.
- Limited Non-Military Discounts: USAA primarily offers benefits focused on military members, which may mean fewer discounts for non-military drivers. This focus could impact its overall ranking as the best Philadelphia, Pennsylvania auto insurance for everyone.
#6 – Travelers: Best for Accident Forgiveness
Pros
- Multiple Discounts: Travelers offers various discounts, including safe driving and bundling, enhancing its status as one of the best Philadelphia, Pennsylvania auto insurance providers. The 14% bundling discount adds value.
- Comprehensive Coverage Options: Travelers offers a wide range of policies that can be customized, contributing to its reputation as a top choice for the best Philadelphia, Pennsylvania auto insurance. Read Travelers auto insurance review page to know more.
- Good Online Tools: Travelers provides advanced online tools for managing policies and claims, making it easier to handle insurance needs. This feature supports its standing as the best Philadelphia, Pennsylvania auto insurance.
Cons
- Potentially Higher Premiums: Travelers’ premiums can be higher for drivers with poor credit or recent accidents, which might affect its appeal as the best Philadelphia, Pennsylvania auto insurance for those with less-than-ideal records.
- Inconsistent Customer Service: Service quality can vary depending on location, potentially impacting overall satisfaction. This inconsistency might detract from its ranking as the best Philadelphia, Pennsylvania auto insurance.
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#7 – Nationwide: Best for Usage Discount
Pros
- Mileage-Based Discounts: Nationwide offers discounts for low-mileage drivers and usage-based insurance, making it a competitive choice for the best Philadelphia, Pennsylvania auto insurance. Their 13% bundling discount further enhances affordability.
- Comprehensive Coverage Options: Nationwide provides various coverage options, including custom and add-on coverages, contributing to its status as a top provider of the best Philadelphia, Pennsylvania auto insurance.
- Good for High Mileage: Nationwide offers competitive rates for drivers with higher annual mileage, making it a viable option for those seeking the best Philadelphia, Pennsylvania auto insurance with significant driving needs.
Cons
- Higher Rates for Poor Credit: Premiums may be higher for drivers with poor credit, potentially impacting its ranking as the best Philadelphia, Pennsylvania auto insurance for those with credit issues. Read Nationwide auto insurance review page to know more.
- Variable Customer Service: Service quality may differ based on location and agent, which could affect overall satisfaction. This variability might detract from its status as the best Philadelphia, Pennsylvania auto insurance.
#8 – Allstate: Best for Add-on Coverages
Pros
- Multiple Discounts: Allstate provides discounts for safe driving, bundling, and more, enhancing its appeal as a leading option for the best Philadelphia, Pennsylvania auto insurance. The 17% bundling discount offers substantial savings.
- Strong Local Presence: With numerous local agents and offices, Allstate offers personalized service and support, making it a top choice for the best Philadelphia, Pennsylvania auto insurance. This local presence ensures quick and tailored assistance.
- Good for Families: Allstate offers coverage options designed for families and high-risk drivers, making it a comprehensive choice for the best Philadelphia, Pennsylvania auto insurance for diverse needs.
Cons
- Higher Premiums for Young Drivers: Rates may be higher for younger drivers or those with less driving experience. This could affect its overall ranking as the best Philadelphia, Pennsylvania auto insurance for younger or new drivers.
- Complexity in Policy Options: The extensive range of add-on coverages can be overwhelming for some customers, potentially making it harder to select the best options for individual needs. Read Allstate auto insurance review page to know more.
#9 – Progressive: Best for Innovative Programs
Pros
- Flexible Coverage Options: Offers a variety of coverage options that can be tailored to individual needs, contributing to its status as a leading provider of the best Philadelphia, Pennsylvania auto insurance.
- Strong Online Tools: Progressive’s advanced online tools make it easy to manage policies and file claims, adding convenience for policyholders. This feature supports its ranking as the best Philadelphia, Pennsylvania auto insurance.
- Competitive Pricing: Known for competitive pricing and discounts, Progressive offers value for money, making it a strong contender for the best Philadelphia, Pennsylvania auto insurance. Read Progressive auto insurance review page to know more.
Cons
- Complex Discounts: The range of discounts can be complex to navigate, potentially making it challenging for customers to maximize savings. This complexity might detract from its appeal as the best Philadelphia, Pennsylvania auto insurance.
- Higher Rates for Poor Credit: Premiums can be higher for drivers with poor credit or recent accidents, which could affect its overall ranking as the best Philadelphia, Pennsylvania auto insurance for those with less-than-ideal credit histories.
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#10 – Geico: Best for Custom Plan
Pros
- Strong Online Tools: Geico’s user-friendly online tools facilitate easy policy management and claims processing, contributing to its reputation as one of the best Philadelphia, Pennsylvania auto insurance options.
- Competitive Rates: Known for offering some of the most competitive rates in the industry, Geico provides value for money, making it a leading option for the best Philadelphia, Pennsylvania auto insurance. Read Geico auto insurance review page to know more.
- Extensive Discounts: Geico offers a wide range of discounts, including those for safe driving and multi-vehicle policies, enhancing its appeal as a top provider of the best Philadelphia, Pennsylvania auto insurance.
Cons
- Limited Local Agent Availability: Geico’s focus on online and phone service means fewer local agents, which might impact personalized service. This limitation could affect its appeal as the best Philadelphia, Pennsylvania auto insurance for those preferring in-person support.
- Potentially Higher Rates for Certain Drivers: Rates may be higher for drivers with poor credit or recent accidents, which could affect its overall standing as the best Philadelphia, Pennsylvania auto insurance for high-risk drivers.
Knowing the Best Car Insurance Company in Philadelphia, Pennsylvania
Choosing the best car insurance company in Philadelphia involves evaluating a range of factors to find an insurer that meets your personal needs and financial situation. One important aspect to consider is how insurance companies use “three numbers on auto insurance” to determine your rates.
Philadelphia, Pennsylvania Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $48 $113
Allstate $58 $108
Erie $59 $111
Farmers $51 $106
Geico $53 $114
Nationwide $55 $110
Progressive $58 $112
State Farm $53 $109
Travelers $50 $117
USAA $56 $119
These numbers typically represent the coverage limits for bodily injury liability per person, bodily injury liability per accident, and property damage liability. Understanding these numbers can help you compare coverage options and premiums effectively.
Brad Larson
Licensed Insurance Agent
With various insurance companies offering different rates and products, selecting the right one can be complex. It's essential to consider your unique circumstances, such as how much you drive and your credit score.
For instance, if you have a long daily commute, look for insurers that offer reasonable rates for high mileage without excessive penalties. Similarly, if your credit score is less than stellar, find an insurer that won’t significantly raise your rates based on credit alone.
To identify which Philadelphia auto insurance company has the most affordable rates and how these compare to average rates across Pennsylvania, you’ll need to compare quotes from multiple insurers and review their pricing structures based on factors like your driving habits and credit history. Enter your ZIP code now to begin.
Best Car Insurance for Commute Rates
When selecting the best car insurance for commute rates, it’s essential to consider your annual mileage, especially if it’s higher than the average. The average commute rates might not apply to your situation if you drive significantly more.
To find the most accommodating insurance companies for higher mileage, it’s crucial to shop around. According to the Federal Highway Administration, Pennsylvanians drive an average of 933 miles per month, while the national average is 1177 miles.
Insurance companies use these benchmarks to determine your premium, adjusting rates based on your mileage. We partnered with “Quadrant Data Solutions” to analyze how above-average commutes affect insurance costs.
The data reveals that companies like Nationwide, Progressive, and Travelers typically do not increase premiums with additional mileage. In contrast, Geico may raise costs slightly for higher mileage, though it remains relatively economical.
f you are looking for cheap auto insurance after an accident, consider how mileage and accident history can impact your rates. Companies that offer competitive rates for high mileage might also provide better deals after an accident, so it’s worth exploring your options to find the best coverage for your situation.
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Understanding the Cost of Car Insurance in Philadelphia
Frequently Asked Questions
Is auto insurance mandatory in Philadelphia, PA?
Yes, auto insurance is mandatory in Philadelphia, PA, as it is in the rest of Pennsylvania. The state requires drivers to carry liability insurance coverage, which helps pay for the damages or injuries caused to others in an accident.
Who offers the cheapest car insurance in Philadelphia?
If you are a veteran or military personnel, USAA is the most economical insurance provider in Philadelphia. However, if you do not belong to the armed services, you can look seek quotes from Geico, State Farm, or Nationwide. Enter your ZIP code now to begin.
Can I choose to purchase additional coverage beyond the minimum requirement?
Yes, it is highly recommended to purchase additional coverage beyond the minimum requirement.
While the minimum liability only auto insurance coverage meets legal obligations, it may not provide adequate protection in the event of a serious accident or loss.
Additional coverage can safeguard your own vehicle and offer increased liability limits.
What types of auto insurance coverage are available in Philadelphia, PA?
Philadelphia, PA offers various types of auto insurance coverage, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and medical payments coverage. Each type of coverage offers different levels of protection.
Can I get insurance coverage for my rental car in Philadelphia, PA?
Yes, you can typically get insurance coverage for a rental car in Philadelphia, PA. Your personal auto insurance policy may provide coverage for rental vehicles. Additionally, rental car companies offer their own insurance options.
Review your existing coverage and consider the rental car company’s insurance offers to determine the best option for you. Enter your ZIP code now to begin.
Where are red-light cameras in Philadelphia? And how much is the red-light camera ticket?
You can find a list of currently operational red-light cameras on the Philadelphia Parking Authority’s website.
Additionally, if you’re looking to understand how traffic violations like red-light tickets might impact your auto insurance rates by ZIP code, it’s worth noting that such violations can potentially lead to higher premiums in your area.
The fine for red-light tickets is $50, but the long-term effects on your insurance costs could be more significant depending on your location.
What is the average discount offered by the top 10 auto insurance providers in Philadelphia for bundling policies?
The average bundling discount offered by the top 10 auto insurance providers in Philadelphia is approximately 14%. Geico provides the highest discount at 19%.
Which auto insurance provider in Philadelphia is ranked highest for offering the most discounts?
Geico is ranked highest for offering the most discounts, with a 19% bundling discount.
It also provides extensive savings through various other discount programs. Enter your ZIP code now to begin.
What is the A.M. Best rating of the auto insurance provider known for its 24/7 customer support?
Erie Insurance, known for its 24/7 customer support, has an A+ rating from A.M. Best, reflecting its strong financial stability and reliable service.
When exploring types of auto insurance, Erie offers a range of options, including liability, collision, and comprehensive coverage, catering to diverse needs.
Their extensive coverage options and high ratings make them a solid choice for drivers seeking reliable insurance solutions.
Which auto insurance provider offers accident forgiveness as a key feature?
Travelers is the auto insurance provider that offers accident forgiveness as a key feature. This benefit helps prevent premiums from increasing after a first accident.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
